MEDICAL BENEFITS
PRESCRIPTION DRUGS When you enroll in a medical plan, you are automatically enrolled in prescription drug coverage. If you regularly take the same medications, a mail-order program may allow you to get a 90-day supply for a lower cost, saving you trips to the pharmacy and time waiting in line. Check with your pharmacy to determine if any special programs are available. Discuss lower-cost alternatives with your physician and check the insurance company’s website for a complete drug list at myCigna.com. JohnsonCo employees have the choice between three medical plans offered through Cigna: a High Deductible Health Plan (HDHP) that is compatible with a Health Savings Account (HSA), a Mid Copay plan, a Buy-Up Copay plan. These plans offer services on the Open Access Plus network. HDHP participants are eligible to open a Health Savings Account to set aside pre-tax dollars to pay for their deductible and other out-of-pocket health care costs. See page 8 for more information on the tax-advantaged savings account that can help you save on health care expenses. All plans offer preventive care visits covered at 100%, an out-of-pocket maximum to protect you should a catastrophic event occur, and out-of-network coverage if needed. Although out-of-network coverage is available, using in-network providers will save you money. You can find Cigna network providers online at myCigna.com and search the Open Access Plus network. PREVENTIVE CARE All medical plans include preventive care services 100% covered under your medical insurance, meaning no copays or deductibles will apply when an in-network provider delivers the covered services. Preventive exams can detect if you are at risk for a chronic disease that may be preventable. Talk to your health care provider to determine which screenings are recommended for you and when you need them.
4 | JohnsonCo 2025 Benefits Guide
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